Rs. 70 lakh Loan

Need quick access to large funds without disturbing your long-term investments? Whether you're managing a business expansion, planning a property down payment, or tackling an emergency expense, a Rs. 70 lakh loan against securities helps you get funds within 24–48 hours without selling your shares, mutual funds, insurance policies, or bonds. It’s one of the smartest ways to stay invested while accessing funds.

Did you know? You can get a Rs. 70 lakh loan simply by pledging your existing portfolio mutual funds, listed shares, bonds, ULIPs, or ESOPs with zero income proof.

What is a loan against securities?

A Loan Against Securities (LAS) is a smart credit facility that allows you to borrow money by pledging your existing financial investments. These could be mutual funds, shares, bonds, ULIPs, or ESOPs. The best part? Your investments remain intact, continue to earn returns, and still serve as collateral for your loan. It’s an ideal solution when you need quick access to funds without breaking your long-term financial plan. Here’s why LAS is a great choice:

• Your assets remain untouched and continue to grow with the market.
• Eligible securities include mutual funds, shares, bonds, insurance policies, and employee stock options.
• Quick disbursal – Funds can be transferred to your bank within 24–48 hours.
• No end-use restriction – Use the funds however you like: business, real estate, personal needs.
• No tax liabilities – Avoid triggering capital gains by staying invested.

Why sell your investments when you can borrow against them and still enjoy their future growth? Apply for a loan against securities

Why not opt for unsecured loans?

When you're seeking a Rs. 70 lakh loan, traditional options like personal or unsecured business loans can be limiting. They involve high interest rates, tedious paperwork, credit score checks, and proof of income—all of which can delay access to funds. In comparison, a loan against securities offers quicker, easier, and more affordable funding, especially for investors who already hold a solid portfolio. Here’s why LAS is the better alternative:

• Lower interest rates – Starting from 8% - 15% p.a., vs. 12–18%p.a. for unsecured loans.
• No income proof required – Your investment portfolio is enough to qualify.
• Minimal documentation – Just a few basic documents, uploaded online.
• Quick processing – Loans are approved and disbursed in 1–2 working days.
• Full flexibility – No restrictions on where or how you use the funds.

Borrow faster and smarter with fewer conditions and better rates. Apply for a LAS

What is Loan to Value (LTV) and why it matters?

Loan to Value (LTV) is a key metric used by lenders to determine the amount of loan you can get against the current market value of your pledged securities. The percentage varies depending on the type of asset, with more stable assets offering higher LTV. Here’s a breakdown of common LTV ratios:

• Mutual funds – Borrow up to 90% of the current NAV value.
• Shares – Up to 50%, depending on volatility and the nature of the stock.
• Insurance & bonds – As high as 80–90% for traditional or highly rated instruments.

Why LTV is important:

• It helps you plan better – Know exactly how much you can borrow before pledging your assets.
• It reduces financial risk – LTV acts as a buffer in case of market volatility.

Example: If your mutual funds are valued at Rs. 78 lakh, you could raise Rs. 70 lakh at a 90% LTV without selling a single unit.

When should you consider a Rs. 70 lakh loan against securities?

A Rs. 70 lakh LAS can be a smart choice in several scenarios. It gives you the liquidity you need while keeping your financial assets invested for long-term growth. It also helps you avoid capital gains tax and doesn’t require heavy documentation. Here are some ideal situations to consider it:

• You have significant holdings and want fast access to funds without liquidation.
• You need funds for a property down payment, family event, or working capital.
• You are facing a large emergency – like a sudden medical or legal expense.
• You want to avoid taxes – Preserve your capital and skip capital gains.
• You do not want income scrutiny – Credit score and salary details are not required.

5 ways to get a Rs. 70 lakh loan

Choose the asset you want to pledge each variant offers different limits, interest rates, and tenures.

Loan product	Interest rate (p.a.)	Tenure
Loan against mutual funds	8–15%	Up to 36 months
Loan against shares	8–15%	Up to 36 months
Loan against insurance	Up to 24%	Up to 96 months
ESOP financing	Up to 15%	Up to 36 months
Loan against bonds	8–15%	Up to 36 months

Use what you already own to raise Rs. 70 lakh fast, simple, and cost-effective. Compare LAS variants

Eligibility criteria for a Rs. 70 lakh loan

To qualify for a Rs. 70 lakh loan against securities, you do not need to show income proof or salary slips. Your investment portfolio does the heavy lifting. Here’s what you need to be eligible:

• Age – You must be at least 18 years old; some loan variants may extend eligibility up to 90 years.
• Residency – Only Indian citizens or resident individuals with valid address proof can apply.
• Portfolio ownership – The securities you pledge must be legally owned by you, either individually or jointly.
• Minimum portfolio value – Your asset value should be as per the variant of loan against securities you opt for, depending on the LTV.
• No income proof required – Your loan is approved based on your investments, not your payslips or business turnover.

Documents required

Applying for a Rs. 70 lakh LAS is easy and paperless. Most documentation can be submitted online, saving you time and effort:

• PAN card – Used for identity verification, taxation, and linking your investments to your profile.
• Address proof – Provide a valid Aadhaar, passport, or utility bill with your residential address.
• Recent photo – A passport-size digital photo may be required for records and verification.
• Investment proof – Submit statements like CAMS, Karvy, Demat reports, or insurance bonds to validate your holdings.
• Bank details – A cancelled cheque or bank account number is needed for disbursing the loan amount.

How to apply for a Rs. 70 lakh loan?

The application process for a Rs. 70 lakh loan is fully digital and takes just a few steps to complete:

1. Visit the Loan Against Securities portalGo to the official LAS page to start your application.
2. Choose the asset you want to pledgeSelect from shares, mutual funds, ULIPs, bonds, or ESOPs.
3. Enter basic personal detailsFill in your PAN, date of birth, mobile number, and other contact details.
4. Upload your documents and investment statementsUpload scanned or digital copies of your KYC and security ownership documents.
5. Digitally pledge your securities via NSDL, CAMS, or insurance portalSecurely authorise the lien using the appropriate platform based on the asset class.
6. Receive the loan amount in your bank account within 24–48 hours*Post verification, funds are disbursed directly to your linked bank account.

Get started in minutes no paperwork, no delays. Apply now

Benefits of Rs. 70 lakh loan against investments

A Rs. 70 lakh LAS gives you access to high-value funding without sacrificing your investment potential. Here’s why it works:

• Continue earning returns – Your pledged securities remain invested and continue generating wealth.
• Get lower interest rates – Save more compared to unsecured business or personal loans.
• Receive funds quickly – Most loans are approved and credited in 24–48 hours.
• No usage restrictions – Use it for anything—business, property, education, or personal needs.
• Flexible credit limits – Based on the current value and LTV of your investment portfolio.
• Revolving credit option – Some variants allow reuse of repaid funds, like an overdraft.

Conclusion

A Rs. 70 lakh loan against securities is a fast, flexible, and efficient way to meet urgent or high-value financial needs without disrupting your long-term investments. Whether it's for business growth, real estate, or personal obligations, this loan helps you stay financially agile while keeping your portfolio intact and growing.

Don’t pause your goals use your investments to unlock Rs. 70 lakh in liquidity, instantly and effortlessly. Apply for a Rs. 70 lakh loan today